Original Medicare doesn’t cover every medical cost, which is where Medicare Supplement Insurance—commonly called Medigap—comes in. Offered by private insurers, these plans help pay for the extra expenses like deductibles, co-pays, and coinsurance that can add up quickly.

With Medigap, you’re not limited to a narrow network. You can visit any doctor or hospital in the U.S. that accepts Medicare, and many plans even include protection for emergency care while traveling abroad—offering both flexibility and peace of mind.

Medicare Advantage (Part C) combines your Part A and Part B benefits into one plan, often including prescription drug coverage as well. Offered by Medicare-approved private insurers, these plans provide a convenient, all-in-one option for healthcare.

Most plans require you to use in-network providers for the best coverage and include an annual cap on out-of-pocket costs, giving you financial protection. You’ll use your Medicare Advantage card for care but should keep your original Medicare card in case you ever switch back.

Part D prescription coverage is open to anyone on Medicare, but signing up right away is important. If you delay enrollment and don’t have other qualifying coverage or financial assistance, you could be hit with a late penalty that lasts as long as you carry drug coverage.

These plans are sold by Medicare-approved private insurers and differ in price, drug lists, and pharmacy networks. That’s why it’s essential to compare options carefully and pick the plan that best supports your health and budget.

We partner with well-known carriers—including Aetna Medicare, Blue Cross Blue Shield of Montana, Humana, and Mountain Health COOP—to give you access to a wide selection of Medicare Advantage, Supplement, and Prescription Drug Plans. Our team guides you through the details so you can steer clear of costly mistakes, late penalties, or hidden fees, making sure your coverage is both reliable and affordable.